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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $54,240 | $74,538-27.2% | $92,805-41.6% | $65,306-16.9% |
| Participation rate | 48.7% | 76.3%-27.6pp | 83.5%-34.8pp | 57.7%-9.0pp |
| Annual return | 34.42% | 49.12%-14.7pp | 31.59%+2.8pp | 21.94%+12.5pp |
| Employer contribution / active EE | $0 | $2,362-100.0% | $3,424-100.0% | $1,967-100.0% |
| Participant deferral / active EE | $4,748 | $5,971-20.5% | $8,448-43.8% | $2,959+60.4% |
| Admin fee / account holder | $2,751 | $2,966-7.3% | $10,911-74.8% | $3,480-20.9% |